N Bank's Small And Micro Enterprise Credit Business Risk Management Research

In the current economic activities of the society,small and micro enterprises not only play an important role in increasing employment opportunities,active economic markets and improving people's livelihood,but also play a huge role in boosting China's economic growth and are the development of our national economy The important foundation.Based on the risk management theory and internal control theory,with reference to the New Basel Accord and the management experience of other small and medium commercial banks in China,this paper clarifies the concepts of ‘before loan' and ‘Loan',‘after the loan'hree small and micro enterprises credit risk investigation system.Although N banks have operated in accordance with this management system and achieved certain results,the financial services for small and micro enterprises are still in their infancy,and the credit products for small and micro enterprises are not comprehensive.N Bank's credit business for small and micro enterprises There are many problems and loopholes in risk management.For example,the risk management organizational structure is not reasonable,the internal control system is not perfect,and the post-loan management review system is not standardized.According to the analysis of the thesis,these problems are caused by N Bank's own reasons,Characteristics and living environment,as well as macro-political and economic factors together.N The logical framework of the research on the risk management of small and micro enterprise credit business follows the basic idea of ‘raising questions,analyzing and analyzing problems and solving problems'.Starting with the development of N-bank micro-credit business and the credit risk management methods,this paper summarizes its experience and puts forward some countermeasures for its risk management.Based on the theoretical analysis and case studies,the article puts forward three major optimizations on the risk management of N-bank micro and micro-enterprise credit business.They are improving the internal control system and credit management system,strengthening the financing channels for small and micro enterprises,and strengthening the bank's post-loan review and management.